Enma Estela

Update on Enma Estela

On San Eduardo street, on the way to Santa Ana, in Portoviejo city, known as the Ciudad de Los Reales Tamarindos from colonial times, the members of the 16 de Julio communal bank meet every two weeks.

In this place, Enma lives. She is 55 years old, and many years ago her beloved husband died, but from this relationship they had three children who are now adults but still live with her. Some years ago, she learned tailoring in a school in her area.

With the goal of having her own income and taking advantage of her tailoring knowledge, Enma established a small sewing workshop in her house. There, she works making all sorts of clothing and crafts made from craft foam with different models and purposes, which is another activity she learned and today allows her to earn her living. All of her work is done based on individual orders. In some seasons, she also makes uniforms for schools of different levels in her area. She works every day from 6:00 am to 10:00 pm and sometimes later when she has orders to complete.

This new loan will be used to purchase fabric, craft foam, and other materials for sewing and crafts. She has been in the communal bank for 8 years and she likes it for the help she gets from the group. Her dream is to have a larger workshop.

Previous Loan Details

The “16 de Julio” communal bank meets every two weeks, on San Eduardo Street, toward the city of Portoviejo. Since colonial times, it has been known as the city of the Royal Tamarinds.
Enma has been with the communal bank for ten cycles and she is very happy to be a member. She likes the sec...
More from Enma Estela's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.